WO2017012004A1 - Online funds management method, data interaction processing method, and device and system therefor - Google Patents

Abstract

Disclosed are an online funds management method, and a data interaction processing method, device and system, the online funds management method comprising: a first terminal sends a generation request for a refund certificate for a bank credit certificate to a first funds management server; in response to the generation request, the first funds management server freezes funds in an account of a first terminal user which are equal to the value of the bank credit certificate; the first funds management server generates the refund certificate which is equal in value to the bank credit certificate; the first terminal receives refund certificate information sent by the first funds management server. The described means implement the return of transaction funds when a transaction fails, and neither of the parties of the transaction is required to provide account information of the other party.

Description

Online fund management method, data interaction processing method, device and system thereof

[Technical Field]

The invention relates to the field of electronic commerce, in particular to an online fund management method, a data interaction processing method, an apparatus and a system thereof.

 【Background technique】

With the development of Internet technologies, especially mobile Internet technologies, users can use the 2G, 3G, 4G or wifi to connect to the Internet for transactions, social activities, etc. Through Internet technology, users can conveniently and effectively carry out online activities. This is an incomparable experience offline. However, in the process of conducting an online transaction, if the transaction cannot be completed due to goods or other reasons, the payment of the funds needs to be refunded. Therefore, it is necessary to provide an online based trading method and return the trading funds when the transaction fails.

Further, since the user can implement data interaction in various ways through the Internet, it is necessary to provide an online data interaction processing method.

 [Summary of the Invention]

The object of the present invention is to provide an online fund management method and related device and system, which can realize returning transaction funds when a transaction fails, and the two parties need not provide the other party account information.

The invention provides an online fund management method, the method comprising: the first terminal sending a request for generating a refund certificate of a silver credit to the first fund management server, wherein the silver credit is a second terminal The user's account fund or credit line is applied as a deposit to the second fund management server and generated by the second fund management server; the first fund management server, in response to the generation request, freezes the account in the account of the first terminal user The funds having equal value of the silver credit; the first money management server generating the refund voucher having a value equal to the silver credit; and the first terminal receiving the first fund management server The information of the refund voucher.

Another online fund management method provided by the present invention, the method includes: the first fund management server receives a request for generating a refund voucher of a silver credit sent by the first terminal, wherein the silver credit is a second The terminal applies for the second fund management server by the user's account fund or credit line as a deposit and is generated by the second fund management server; in response to the generating request, the bank account of the first terminal user is frozen and the bank certificate is frozen. The funds of equal value; generating the refund voucher whose value is equal to the bank certificate, and transmitting the information of the refund voucher to the first terminal.

The invention provides an online fund management system, the system comprising: a second terminal, configured to apply for a bank letter to the second fund management server with the account fund or the credit line of the user as the margin; the second fund a management server, configured to generate the silver credit card in response to the application of the second terminal, where the first terminal is configured to send a request for generating a refund certificate of the silver credit to the first fund management server; a money management server, configured to, in response to the generating request, freeze funds in the account of the first terminal user that are equal to the value of the silver credit, and generate the refund voucher whose value is equal to the silver credit card Sending information of the refund voucher to the first terminal.

The invention provides an online fund management server, the server includes: a receiving module, configured to receive a request for generating a refund certificate of a silver credit sent by the first terminal, wherein the silver credit is a second terminal Applying, by the second fund management server, the account fund or the credit line of the user as a deposit to be generated by the second fund management server; and establishing a module for freezing the account in the account of the first terminal user in response to the generating request And the generating module is configured to generate the refund voucher whose value is equal to the silver credit, and send the information of the refund voucher to the first terminal.

In the above online fund management method and related device and system, the first terminal may send the refund certificate of the bank letter to the first fund management server after receiving the funds of the corresponding bank letter of the second terminal. Requesting, the first fund management server, in response to the generation request, freezing the funds of the first terminal user's account equal to the value of the bank credit certificate, and generating a refund certificate having the same value as the bank letter certificate, so that the second terminal can Obtaining the funds corresponding to the silver credit card returned by the first terminal according to the refund voucher, so that the transaction fund can be returned when the transaction fails, and the first terminal does not need to know the information of the second terminal user directly during the return process, and the funds are directly The management server intelligently generates the refund voucher for the second terminal according to the silver credit information, thereby ensuring the security of the account information of the first and second terminals, and simplifying the refund operation.

Another object of the present invention is to provide a data interaction processing method, a data interaction processing system, and a data interaction processing apparatus.

The present invention provides a data interaction processing method, the method includes: the first terminal sends a second data credential generation request corresponding to the first data credential to the first server, where the first data credential is the second a quantification tool for pre-establishing a data association relationship between the terminal and the second server; the first server, in response to the generating request, establishing a data value equal to the first data credential between the first terminal and the first terminal Data association relationship; the first server generates the second data credential equal in size to the data value of the first data credential; and the first terminal receives the second data sent by the first server The information of the voucher.

Another data interaction processing method provided by the present invention, the method includes: the first server receives a request for generating a second data credential corresponding to the first data credential sent by the first terminal, where the first data credential is a quantization tool for pre-establishing a data association relationship between the second terminal and the second server; and in response to the generating request, establishing a data association with the data value of the first data credential between the first terminal and the first terminal a relationship; generating the second data credential having the same data value as the first data credential, and transmitting the information of the second data credential to the first terminal.

The present invention provides a data interaction processing system, the system includes: a second terminal, configured to apply for a first data credential to a second server; and the second server is configured to respond to the application of the second terminal to establish a data association relationship with the second terminal, and generating the first data credential with a data value equal to a data value of the second terminal establishing a data association relationship; the first terminal, configured to send to the first server a request for generating a second data credential corresponding to the first data credential; the first server, configured to establish a data value with the first data credential with the first terminal in response to the generating request An equal-sized data association relationship, and generating the second data credential equal to the data value of the first data credential, and transmitting the information of the second data credential to the first terminal.

The present invention provides a data interaction processing apparatus, the apparatus comprising: a receiving module, configured to receive a request for generating a second data credential corresponding to the first data credential sent by the first terminal, where the first data credential is a quantization tool that is a pre-established data association relationship between the second terminal and the second server; and an establishing module, configured to establish data with the first data voucher and the first terminal in response to the generating request a data association relationship with equal value values; a generating module, configured to generate the second data credential equal to a data value of the first data credential, and send the information of the second data credential to the first terminal .

In the above data interaction processing method, the data interaction system, and the data processing device, the first terminal may send, after receiving the data corresponding to the first data voucher applied by the second terminal, the first data voucher corresponding to the first data voucher. a request for the second data credential, the first server, in response to the generating request, establishing a data association relationship with the data value of the first data credential with the second terminal, and generating second data of equal data values a voucher, so that the second terminal can obtain data returned by the first terminal according to the second data credential, so that data interaction between the first terminal and the second terminal is implemented, and the first terminal does not need to provide the second terminal in the returning process. The information directly has the first server intelligently generating the second data credential for the second terminal according to the first data credential, ensuring the security of the user information of the first and second terminals, and simplifying the operation.

 [Description of the Drawings]

1 is a schematic flow chart of an online fund management method in a first embodiment of the present invention;

2 is a schematic structural diagram of an online fund management system in an embodiment of the present invention;

3 is a schematic flow chart of an online fund management method in a second embodiment of the present invention;

4 is a schematic flow chart of a sub-step of the method step S12 shown in FIG. 3;

5 is a schematic structural diagram of a money management service in a first embodiment of the present invention;

6 is a schematic flowchart of a data interaction processing method in a first embodiment of the present invention;

7 is a schematic structural diagram of a data interaction processing system in an embodiment of the present invention;

8 is a schematic flowchart of a data interaction processing method in a second embodiment of the present invention;

FIG. 9 is a schematic structural diagram of a data interaction processing apparatus according to a first embodiment of the present invention.

【detailed description】

In the following description, for purposes of illustration and description, reference However, it will be apparent to those skilled in the art that the present invention can be implemented in other embodiments without these specific details. In other instances, detailed descriptions of well-known devices, circuits, and methods are omitted so as not to obscure the description of the application.

Please refer to FIG. 1 , which is a schematic flowchart diagram of an online fund management method according to a first embodiment of the present invention. Please refer to FIG. 2 together with the schematic diagram of the structure of the online fund management system. The method flow shown in this embodiment includes the following steps:

S11. The first terminal sends a request for generating a refund certificate of the silver credit to the first fund management server.

Wherein, the bank credit certificate is an electronic credit commitment payment that the second terminal applies to the second fund management server and is generated by the second fund management server with the account fund or the credit line of the user as the margin, and promises to settle according to the agreed conditions. certificate. The credit amount is, for example, a credit amount given to the second end user by the second fund management server or a fund corresponding to the real property mortgaged by the second terminal user at the second fund management server.

The silver credit card is used for online fund management of the first terminal and the second terminal, and the second terminal sends the silver credit card to the first fund management server and specifies the first terminal as the certificate party to obtain the corresponding goods or services. If the transaction is successful, the first terminal requests the settlement, and the second fund management server responds to the settlement request, and the funds of the second terminal frozen by the first fund management server equal to the value of the bank letter are managed by the first fund. The server is transferred to the account of the first end user.

When the first terminal receives the funds of the second terminal, it finds that the agreement condition is not met. If the second terminal needs to return the commodity, the first fund management server may request the first fund management server to generate the refund certificate of the silver credit card.

In this embodiment, the first fund management server is specifically an account management server of the first terminal, and the second fund management server is specifically an account management server of the second terminal.

S12. The first fund management server, in response to the generating request, freezes funds in the account of the first terminal user that are equal to the value of the bank letter.

The generation request includes information of the silver credit, such as an identification code. The first fund management server stores information of all the silver credits received by the first terminal, including the identification code of the silver credit card, the initiator, the producer, and the value, etc., and the value is generated by the generator of the bank credit certificate. The funds or credit line of the initiator account that is frozen by the bank letter. The first fund management server may determine, according to the identification code in the generation request, the silver letter certificate associated with the refund certificate, that is, the refund certificate corresponding to which bank letter certificate. The first fund management server locally retrieves the value of the determined silver letter certificate, and correspondingly freezes the funds in the first terminal user's account that have the same value as the banknote certificate corresponding to the refund certificate.

Optionally, as shown in FIG. 3, the foregoing S12 specifically includes the following sub-steps:

S121: The first fund management server determines, according to the generation request, whether the silver credit card is in a dissolving state.

The payment status is that the first fund management server unfreezes the funds with the same value of the silver certificate corresponding to the refund voucher and transfers the funds to the account of the first terminal user. The information of the silver letter certificate stored locally by the first fund management server further includes status information of the bank letter certificate, and the first fund management server retrieves the status information of the bank letter certificate, and determines whether the bank letter is in a settlement state, if If yes, execute S122; if not, send a notification that the silver certificate corresponding to the refund voucher is not resolved to the first terminal.

S122: The first fund management server determines whether the account fund of the first terminal user is not less than the value of the bank letter. If yes, execute S123; if not, send a notification that the first terminal user's account funds are insufficient to the first terminal.

S123: The first fund management server freezes funds in the account of the first terminal user that have the same value as the banknote corresponding to the refund voucher.

S13. The first fund management server generates the refund voucher whose value is equal to the bank letter.

After freezing the funds of the first end user's account with the same value as the corresponding bank certificate of the refund voucher, the first fund management server determines that the first terminal user has provided a margin for the refund voucher, and generates a A refund certificate with equal value of frozen funds.

Moreover, the first fund management server sets the receipt server of the refund voucher to the producer of the corresponding bank letter certificate, that is, the second fund management server, according to the information corresponding to the bank letter certificate, and the receipt of the refund certificate The party is set to correspond to the initiator of the silver credit card, that is, the second terminal or the second terminal user.

After the first fund management server generates the refund voucher, it sends the refund voucher to the first terminal.

S14: The first terminal receives the information of the refund voucher sent by the first fund management server.

This refund voucher has the same function as a bank letter. After the first terminal receives the refund voucher information sent by the first fund management server, the first terminal sends the refund voucher information to the second terminal that is the initiator of the corresponding silver credit card. When the second terminal requests cancellation from the second fund management server that is the producer of the corresponding silver credit, the second fund management server notifies the first fund management server to unfreeze the account of the first terminal user in response to the settlement request. The funds corresponding to the value of the refund voucher, the first fund management server transfers the thawed funds to the account of the second terminal user through the second fund management server, thereby realizing the refund of the first terminal to the second terminal operating.

In the above solution, the first fund management server may be a fund management server of the first bank, and the second fund management server may be a fund management server of the second bank. Alternatively, the first money management server and the second money management server may also be the same money management server. The first terminal and the second terminal are a client or a terminal that executes the client. Correspondingly, the account of the first terminal is an account of the first terminal user, and the account of the second terminal is an account of the second terminal user.

In an application embodiment, the bank credit certificate may refer to an electronic credit commitment payment voucher that the bank freezes the funds according to the application of the issuer or uses the credit line and generates it in the name of the bank, and promises to settle according to the agreed conditions. Correspondingly, the basic business process of the bank letter is: the issuing bank freezes the required amount of funds according to the application of the issuer to generate a bank letter certificate. When the agreed settlement condition is reached, the issuing bank will release the funds for payment settlement.

The online fund management method of the present invention will be described below with reference to examples. For example, the first terminal user is the seller, the second terminal user is the buyer, and the first fund management server corresponds to the fund management server of the seller's account bank, and the second fund management The server is the money management server of the buyer's account bank. When the seller and the buyer conduct a transaction, the seller provides the goods or services to the buyer, and accordingly, the buyer applies for a bank letter to his bank. The buyer's bank freezes the amount of funds in the buyer's account equal to the transaction amount, for example, 100,000, and generates a silver letter. After receiving the notification of the receipt of the silver letter certificate, the seller applies for the receipt of the information, such as a short message, an email or a dedicated client, and applies for the receipt to the seller’s bank. The seller’s bank obtains the bank’s letter from the buyer’s bank and the bank’s information. Send to the seller. After the transaction is completed, after the seller applies for the payment of the bank letter, the buyer's bank transfers the 100,000 funds under the frozen buyer's account to the seller's account through the seller's bank. Among them, after the seller receives the bank letter and before applying for payment, the buyer's account funds are still frozen and cannot be used in the account, and are not transferred to the seller, so the buyer can still obtain the interest brought by the freezing of the funds. Moreover, the bank’s credit certificate is guaranteed by the bank’s freezing of the buyer’s funds, which greatly reduces the seller’s trading risk.

However, when the seller obtains the buyer’s funds corresponding to the bank letter, if the transaction fails due to commodity reasons or other reasons, the seller applies to the bank for the refund certificate of the bank letter, and the seller’s bank receives the seller’s application and is determined. When the seller has received the buyer’s 100,000 funds and the account funds exceed 100,000, it freezes the 100,000 funds in the seller’s account equal to the value of the bank’s credit certificate, and generates a refund certificate of 100,000 worth, wherein the refund certificate The proof of the act is the buyer’s bank and the recipient is the buyer to ensure that the refund voucher can be refunded to the buyer of the transaction. Moreover, in this process, the seller does not need to know any information of the buyer, the seller bank directly obtains the buyer information according to the corresponding silver letter certificate and correspondingly sets the refund certificate, thereby ensuring the account privacy of the buyer and the seller, and simplifying the operation.

Please refer to FIG. 4 , which is a schematic flowchart diagram of an online fund management method according to a second embodiment of the present invention. The embodiment is also based on the online fund management system shown in FIG. 2, and the method flow shown in the embodiment includes:

S41. The first fund management server receives a request for generating a refund voucher of the silver credit card sent by the first terminal.

S42. The first fund management server, in response to the generation request, freezes funds in the account of the first terminal user that are equal to the value of the bank letter.

S43. The first fund management server generates the refund voucher whose value is equal to the bank credit certificate, and sends the information of the refund voucher to the first terminal.

Wherein, the bank credit certificate is an electronic credit commitment payment that the second terminal applies to the second fund management server and is generated by the second fund management server with the account fund or the credit line of the user as the margin, and promises to settle according to the agreed conditions. certificate. The first fund management server is specifically an account management server of the first terminal, and the second fund management server is specifically an account management server of the second terminal.

The foregoing S42 specifically includes: in response to the generating request, the first fund management server freezes the first terminal user when determining whether the silver credit card is in a dissolving state and the account capital of the first terminal user is not less than the value of the silver credit card. The funds in the account that have the same value as the silver certificate corresponding to the refund voucher.

In another embodiment, the online fund management method may further include: when the first money management server determines that the silver credit card is not in the dissolving state, sending the silver credit card corresponding to the refund voucher to the first terminal. The unresolved notification; when it is determined that the account amount of the first terminal user is less than the value of the silver credit card, the first terminal is notified that the account of the first terminal user is insufficient.

In the above S43, the first fund management server specifically sets the receipt server of the refund voucher to the producer of the corresponding bank letter certificate, that is, the second money management server, according to the information corresponding to the bank letter certificate, and the refund is performed. The recipient of the voucher is set to correspond to the originator of the silver credit card, that is, the second terminal or the second terminal user.

In the above solution, the first fund management server and the second money management server may be fund management servers of the same or different banks. The first terminal and the second terminal are a client or a terminal that executes the client. Correspondingly, the account of the first terminal is an account of the first terminal user, and the account of the second terminal is an account of the second terminal user.

In an application embodiment, the first end user is a seller and the second end user is a buyer.

Please refer to FIG. 2 , which is a schematic structural diagram of an online fund management system according to an embodiment of the present invention. Each device included in the online fund management system of this embodiment is used to execute the steps in the embodiment corresponding to FIG. 1. The system 20 shown in this embodiment includes a second terminal 21, a first terminal 22, a first money management server 23, and a second money management server 24.

The second terminal 21 is configured to apply for a bank letter to the second fund management server 24 with the account fund or the credit line of the user as the margin.

The second fund management server 24 is configured to generate the bank certificate in response to the application of the second terminal 21.

The first terminal 22 is configured to send a request for generating a refund voucher of the silver credit to the first fund management server 23.

The first money management server 23 is configured to, in response to the generation request, freeze the funds in the account of the user of the first terminal 22 that are equal to the value of the silver credit, and generate the refund equal to the value of the silver credit. And the information of the refund voucher is sent to the first terminal 22.

Please refer to FIG. 5, which is a fund management server according to a first embodiment of the present invention. Each module included in the fund management server of this embodiment is used to execute the steps in the embodiment corresponding to FIG. 3. The fund management server 50 shown in this embodiment includes a receiving module 51, an establishing module 52, and a generating module 53. In the present embodiment, the fund management server 50 corresponds to the first money management server in the above embodiment, and the money management server 50 can be operated in a banking system.

The receiving module 51 is configured to receive a request for generating a refund credential of the silver credential sent by the first terminal, where the silver credential is used by the second terminal to manage the second fund by using the account fund or the credit line of the user as a margin. The server applies and is generated by the second money management server.

The establishing module 52 is configured to freeze the funds in the account of the first terminal user that are equal to the value of the silver credit in response to the generating request.

The generating module 53 is configured to generate the refund voucher whose value is equal to the silver credit, and send the information of the refund voucher to the first terminal.

In the above solution for online fund management, the first terminal may send a request for generating a refund certificate for the bank letter to the first fund management server after receiving the funds of the corresponding bank letter of the second terminal, the first fund The management server, in response to the generation request, freezes the funds in the first terminal user's account equal to the value of the silver credit, and generates a refund certificate having the same value as the silver credit, so that the second terminal can be based on the refund certificate Obtaining the funds corresponding to the silver credit certificate returned by the first terminal, so that the transaction funds can be returned when the transaction fails, and the first terminal does not need to know the information of the second terminal user in the returning process, directly by the fund management server according to the silver letter The certificate information intelligently generates a refund voucher for the second terminal, thereby ensuring the security of the account information of the first and second terminals, and simplifying the refund operation.

FIG. 6 is a schematic flowchart diagram of a data interaction processing method according to a first embodiment of the present invention. Please refer to FIG. 7 as a schematic diagram of the structure of the data interaction system. The method flow shown in this embodiment includes:

S61. The first terminal sends a request for generating a second data credential corresponding to the first data credential to the first server.

The first data credential is a quantification tool for pre-established data association relationship between the second terminal and the second server. That is, the first data voucher represents the amount of data that has established a data association relationship between the second terminal and the second server. The first data voucher is configured to: when the first terminal obtains the first data voucher and send a request for obtaining data to the first server, the second server releases the data value with the first data voucher with the second terminal An equal-sized data association relationship, and transferring the data of the de-relaxed relationship in the data unit of the second terminal to the data unit of the first terminal by using the first server.

S62. The first server, in response to the generating request, establish a data association relationship with the data value of the first data credential between the first terminal and the first terminal.

The generation request includes an identifier of the first data voucher. The first server stores information of all data credentials received by the first terminal, including an identifier of the data credential, a data value, and a second terminal and a second server that establish the data credential. Determining, by the first server, the first data credential associated with the second data credential according to the identifier carried in the generating request, and locally retrieving the data value of the first data credential, and establishing a correspondence with the first terminal correspondingly A data association relationship in which the data values of the first data voucher are equal in size, for example, data in the data unit of the first terminal that is equal in size to the data value of the first data voucher.

Specifically, the foregoing S62 specifically includes: the first server responding to the generating request, when determining that the first data credential is in a released state and the data value in the data unit of the first terminal is not less than a data value of the first data credential, establishing A data association relationship with the first terminal that is equal in magnitude to the data value of the first data credential. The release state is that the second server has released the data association relationship with the data value of the first data voucher and the second terminal, and the released data is transferred to the first terminal by using the first server. Data unit.

In another embodiment, the data interaction method may further include: when the first server determines that the silver credit is not in the released state, sending, to the first terminal, the notification that the first data credential is not released; When the data value in the data unit of the terminal is smaller than the data value of the first data certificate, the first terminal sends a notification that the data in the data unit of the first terminal is insufficient.

S63. The first server generates the second data credential equal to the data value of the first data credential.

In the above S63, the first server sets the receiving server of the second data voucher as the second fund management server according to the information corresponding to the first data voucher, and sets the receiving terminal of the second data voucher as the Second server.

S64. The first terminal receives information about the second data credential sent by the first server.

The second data credential has the same function as the first data credential. After the first terminal receives the second data credential information sent by the first server, the first terminal sends the second data credential information to the second terminal. When the second terminal requests disassociation from the second server, the second server, in response to the release request, notifies the first server to release the data association relationship with the data value of the second data voucher and the first terminal. The first server transfers the data of the disassociation relationship in the data unit of the first terminal to the data unit of the second terminal by using the second server, thereby implementing data interaction and data of the first terminal to the second terminal. return.

Specifically, the first terminal and the second terminal may be a client or a terminal that executes the client, and the first server and the second server are different servers or are the same server. The first and second servers may also be e-commerce servers.

The data interaction processing method in the embodiment of the present invention is exemplified below.

For example, the first terminal is a terminal used by the user A, and the second terminal is a terminal used by the user B. User B is the administrator of multiple clients and has a corresponding password for each client to perform administrator privileges. The client can be a device such as a personal computer, a tablet, a smart phone, or the like that can perform data interaction with the server through a network. When the user A requests to obtain the password of the administrator authority of one of the users B, such as the client 2, the user B applies to the second server to issue the first data certificate. The user password of the user B is saved in the second server. The first data credential may be an operation log, such as the number of operations, when the user B manages the client 2, to prove the security and reliability of the user B.

When the second server opens the first data credential, the user B's administrator authority to the client 2 is frozen according to the related content of the first data credential, that is, the user B cannot manage the client 2 by using the corresponding password. At the same time, the first server sends the first data credential information to the user A. When the user A needs to obtain the password of the administrator authority of the client 2, the first server sends a request for obtaining the password, and the second server obtains the password of the administrator authority of the client 2 according to the related content of the first data certificate. And sent to user A through the first server.

When the user A no longer needs the password of the administrator right of the client 2, the first server sends a request for generating the second data credential corresponding to the first data credential, and the first server determines that the data credential has been When the password of the administrator right of the client 2 is sent to the user A and the password of the administrator right of the client 2 is saved in the user A, the user A's administrator authority to the client 2 is frozen, and the user is opened. Two data credentials are sent to the second server. The second data credential may be an operation log, such as the number of operations, when the user A manages the client 2.

When the user B needs to obtain the password of the administrator authority of the client 2, the second server sends a request for obtaining the password, and the first server obtains the password of the administrator authority of the client 2 according to the related content of the second data certificate. And sent to user B through the second server.

Further, the data in which the first terminal establishes an association relationship with the first server may also be text data, audio data, video data, program data, or capital data in a financial field, and if it is fund data, such as funds, the first time is The terminal may be a seller, the second terminal may be a buyer, and the server is a money management server, for example, a bank. If it is audio data, such as a song, the first terminal and the second terminal may be a client having a multimedia playing function, such as a mobile phone, and the server is a music website server.

FIG. 8 is a data interaction processing method according to a second embodiment of the present invention. The implementation is also based on the data interaction processing system shown in FIG.

S81. The first server receives a request for generating a second data credential corresponding to the first data credential sent by the first terminal.

The data credential is a quantification tool for pre-established data association relationship between the second terminal and the second server.

S82. The first server, in response to the generating request, establish a data association relationship with the data value of the first data credential between the first terminal and the first terminal.

Specifically, the first server, in response to the generating request, establishes with the first terminal when determining that the first data credential is in a released state and the data value in the data unit of the first terminal is not less than the data value of the first data credential A data association relationship equal to the data value of the first data voucher, for example, data in the data unit of the first terminal that is equal in size to the data value of the first data voucher.

In another embodiment, the data interaction method may further include: when the first server determines that the silver credit is not in the released state, sending, to the first terminal, the notification that the first data credential is not released; When the data value in the data unit of the terminal is smaller than the data value of the first data certificate, the first terminal sends a notification that the data in the data unit of the first terminal is insufficient.

S83. The first server generates the second data credential equal to the data value of the first data credential, and sends the information of the second data credential to the first terminal.

Please refer to FIG. 7, which is a schematic structural diagram of a data interaction processing system according to an embodiment of the present invention. The system 70 shown in this embodiment includes a second terminal 71, a first terminal 72, a first server 73, and a second server 74.

The second terminal 71 is configured to apply for the first data credential to the second server 74.

The second server 74 is configured to establish a data association relationship with the second terminal 71 in response to the application of the second terminal 71, and generate a data value whose data value is equal to the established data association relationship of the second terminal 71. The first data credential.

Therefore, the first data credential can be understood as a quantification tool for pre-established data association relationship between the second terminal 71 and the second server 74.

The first terminal 72 is configured to send, to the first server 73, a request for generating a second data credential corresponding to the first data credential.

The first server 73 is configured to establish, in response to the generating request, a data association relationship with the first terminal 72 that is equal in size to the data value of the first data credential, and generate the first data credential The second data credential having the same data value is sent to the first terminal 72 for information of the second data credential.

Specifically, the first server and the second server may be the same server or different servers. Further, the first server and the second server may be an e-commerce server.

In another embodiment, each terminal and the server of the system 70 are respectively configured to perform the steps of the data interaction processing method, where the first terminal corresponds to the first terminal of the foregoing method, and the second terminal corresponds to the first method. The second server corresponds to the first server in the foregoing method, and the second server corresponds to the second server in the foregoing method.

FIG. 9 is a data interaction processing apparatus according to the first embodiment of the present invention. The data interaction processing apparatus 90 shown in this embodiment includes a receiving module 91, an establishing module 92, and a generating module 93. In the present embodiment, the device 90 corresponds to the first server in the above embodiment. Among them, the device 90 can be operated in a banking system.

The receiving module 91 is configured to receive a request for generating a second data credential corresponding to the first data credential sent by the first terminal. The first data credential is a quantification tool that is a pre-established data association relationship between the second terminal and the second server.

The establishing module 92 is configured to establish, in response to the generating request, a data association relationship with the first terminal that is equal in size to a data value of the first data credential.

The generating module 93 is configured to generate the second data credential equal to the data value of the first data credential, and send the information of the second data credential to the first terminal.

Optionally, the establishing module 92 is specifically configured to respond to the generating request, when determining that the first data credential is in a released state and the data value in the data unit of the first terminal is not less than the data value of the first data credential, A data association relationship with the first terminal that is equal in magnitude to the data value of the first data credential.

In another embodiment, the establishing module 92 is further configured to: when determining that the silver credit is not in the released state, send a notification that the first data credential is not released to the first terminal; in determining the data unit of the first terminal When the data value is smaller than the data value of the first data voucher, the first terminal is notified that the data in the data unit of the first terminal is insufficient.

In the above solution, the first terminal may send a request for generating a second data credential corresponding to the first data credential to the first server after receiving the data corresponding to the first data credential applied by the second terminal, where the first server rings A request should be generated to establish a data association relationship with the data value of the first data voucher equal to the second terminal, and generate a second data voucher of equal data values, so that the second terminal can be based on the second data The voucher obtains the data returned by the first terminal, so the data interaction between the first terminal and the second terminal is implemented, and the first terminal does not need to provide the information of the second terminal in the returning process, and the first server directly has the first data certificate according to the first data. The second data credential for the second terminal is intelligently generated, the user information of the first and second terminals is secured, and the operation is simplified.

The above is only the embodiment of the present invention, and is not intended to limit the scope of the invention, and the equivalent structure or equivalent process transformations made by the description of the invention and the drawings are directly or indirectly applied to other related technologies. The fields are all included in the scope of patent protection of the present invention.

Claims (12)

An online fund management method, characterized in that the method comprises the following steps: The first terminal sends a request for generating a refund certificate of the silver credit to the first fund management server; wherein the silver credit is the second terminal applying for the second fund management server by using the account fund or the credit line of the user as the margin And generated by the second fund management server; Responding to the generating request, the first fund management server freezes funds in the account of the first terminal user that are equal to the value of the silver credit card; The first money management server generates the refund voucher having a value equal to the silver credit; The first terminal receives information of the refund voucher sent by the first fund management server. The method according to claim 1, wherein said first money management server freezes said funds in said first terminal user's account that are equal in value to said silver credit in response to said generating request include: The first fund management server, in response to the generating request, determining that the silver credit card is in a dissolving state and the account capital of the first terminal user is not less than the value of the silver credit card, freezing the first a fund in the end user's account equal to the value of the bank credit certificate; wherein the payment status is that the first money management server thaws the funds having the same value as the silver credit card and transfers the In an end user's account. The method of claim 2, wherein the method further comprises: When it is determined that the silver credit card is not in the dissolving state, the first fund management server sends a notification that the silver credit card is undelivered to the first terminal; When it is determined that the account capital of the first terminal user is less than the value of the silver credit card, the first fund management server sends a notification that the first terminal user's account funds are insufficient to the first terminal. The method of claim 1, wherein after the step of the first money management server generating the refund voucher equal to the silver credit, the method further comprises: The first fund management server sets the receipt server of the refund voucher as the second fund management server, and sets the certificate holder of the refund voucher as the second terminal. The method according to any one of claims 1 to 4, wherein the first money management server is a money management server of the first bank, and the second money management server is a money management server of the second bank. An online fund management method, characterized in that the method comprises the following steps: The first fund management server receives a request for generating a refund voucher for the silver credit card sent by the first terminal, wherein the silver credit card is the second terminal with the account fund or the credit line of the user as the margin to the second fund management server. Applyed and generated by the second fund management server; Rescuing the funds in the account of the first end user that are equal to the value of the silver credit in response to the generating request; Generating the refund voucher whose value is equal to the silver credit and transmitting the information of the refund voucher to the first terminal. An online fund management system, characterized in that the system comprises: a second terminal, configured to apply for a bank letter certificate to the second fund management server by using the account fund or the credit line of the user as a margin; The second fund management server is configured to generate the silver credit card in response to the application of the second terminal; a first terminal, configured to send a request for generating a refund certificate of the silver credit to the first fund management server; The first money management server is configured to, in response to the generating request, freeze funds in the account of the first terminal user that are equal to the value of the silver credit, and generate the value equal to the silver credit a refund voucher for transmitting the information of the refund voucher to the first terminal. A fund management server, characterized in that the server comprises: a receiving module, configured to receive a request for generating a refund credential of the silver credential sent by the first terminal, where the silver credential is a second terminal with a user's account fund or a credit line as a margin to the second fund management server Applyed and generated by the second fund management server; Establishing a module, configured to freeze the funds in the account of the first terminal user that are equal to the value of the silver credit in response to the generating request; And a generating module, configured to generate the refund voucher whose value is equal to the silver credit, and send the information of the refund voucher to the first terminal. A data interaction processing method, the method comprising: The first terminal sends a request for generating a second data credential corresponding to the first data credential to the first server, where the first data credential is a quantification tool that is a pre-established data association relationship between the second terminal and the second server. ; Responding to the generating request, the first server establishes a data association relationship with the data value of the first data credential between the first terminal and the first terminal; The first server generates the second data credential equal in size to a data value of the first data credential; The first terminal receives information of the second data credential sent by the first server. A data interaction processing method, the method comprising: The first server receives a request for generating a second data credential corresponding to the first data credential sent by the first terminal, where the first data credential is a quantification of a pre-established data association relationship between the second terminal and the second server tool; Responding to the generating request, establishing a data association relationship with the data value of the first data voucher and the first terminal; Generating the second data voucher equal in size to the first data voucher and transmitting the information of the second data voucher to the first terminal. A data interaction processing system, characterized in that the system comprises: a second terminal, configured to apply for a first data credential to the second server; The second server is configured to establish, according to the application of the second terminal, a data association relationship with the second terminal, and generate a data value whose data value is equal to the establishment data association relationship of the second terminal. The first data credential; a first terminal, configured to send, to the first server, a request for generating a second data credential corresponding to the first data credential; The first server is configured to establish, in response to the generating request, a data association relationship with a data value of the first data credential and the first terminal, and generate the first data credential And the second data credential having the same data value, and sending the information of the second data credential to the first terminal. A data interaction processing device, characterized in that the device comprises: a receiving module, configured to receive a request for generating a second data credential corresponding to the first data credential sent by the first terminal, where the first data credential is a pre-established data association relationship between the second terminal and the second server Quantitative tools; And a establishing module, configured to establish, in response to the generating request, a data association relationship with the data value of the first data credential between the first terminal and the first terminal; And a generating module, configured to generate the second data credential equal to the data value of the first data credential, and send the information of the second data credential to the first terminal.